We all get caught up with every day life that we have a tendency to forget a lot of important
matters in life. For example, we usually found out about credit report errors when we apply for a
mortgage to purchase our home or refinance our home. Other time, when we try to get an equity
line of credit or try to get a loan to finance a new vehicle purchase. Most financial advisors would
tell us that we should check our credit report regularly to make sure that the credit history reports
are accurate.
Contrarily to most financial advisors, we don't check our credit report regularly. We usually don't
even check the credit report before applying for any kind of loans. When we move from one
location to another, we may not get all the bills from the previous address or sometimes we lose
track some of the bills. Other time we even forget the nasty past collections from medical bills that
we thought the health insurance would have well taken care off. The bills that we thought that
already paid off, some how the creditors thought otherwise. The credit bureaus may add the wrong
information to your credit history report.
Those things show up in the credit report when you apply for loans or credit cards. Then you
realize that you need to dispute the credit report errors. According to the traditional process of
disputing the credit report errors through mail would take between 30 days to 90 days to get the
problems resolve. However, we live in the modern society possessed all kinds of modern
communication equipments such as computer Internet access, telephone, cellular phone, and fax
machine. We should use all these tools to speed up the process and with the following
suggestions:
You should begin the dispute process by using telephone to contact the creditors responsible for
the inaccuracy. You can find the contact information for each of your creditors on your credit
report. Your financial institutions will be able to verify most inaccuracies over the phone. Next you
use the copies with circled question items and verified information for disputing with the Credit
Bureaus.
You should dispute all the personal information before disputing your account information through
telephone. This way will help the Credit Bureaus to sort out information according to Names,
Social Security Numbers, or address. Sometimes, after disputing personal information everything
sort out according to names, Social Security Numbers, or addresses, your credit information will
turn out to have accuracy of information.
You should use telephone to contact the collection agencies or creditors to find out about their
existence or their responses. If they are no longer existing or lack of response, it is your
opportunity to remove the negativity that they put on your credit report. When the collection
agencies or creditors no longer exist or lack response, the Credit Bureau cannot verify the

disputed items, and then the Credit Bureau must delete them.
You should use telephone and fax machine to get debt settling agreement with the creditors, by
using experienced professional negotiators. From personal experience the average consumer will
settle a debt for about 75 to 60 cents on the dollar including their fee. There is rarely a good
reason to attempt your own debt settlement. Creditors will not take you half as seriously as they
will take your attorney.
Handled properly, you will save time and money by seeking a good attorney to negotiate with your
creditors. If you need debt settlement assistance, click on Lexington Law Firm for very low cost
debt settlement. You will be money ahead if you get the right help.
You should dispute with the Credit Bureaus through websites then follow up through the
telephone. So the communication is faster between you and the Credit Bureaus. When you
dispute online then follow up on the phone, the dispute process is getting done faster. By the way,
the printable pages from the online results are colorful and much easier to read than the black and
white mailing reports from the Credit Bureaus.
From personal experienced, the outcome of following all the suggestion will result in getting the
dispute process done in varying time frames between 24 hours to 30 days. The result may save
you thousands of dollars if you in the process of getting a mortgage to purchase your home when
the interest rate on the rise.
Contrarily to the suggestion, if you decide to do the dispute through the mailing process without
the work of verified the information yourself; you probably finish the process between 30 days to
90 days. Sometimes, it may even take longer than 90 days. 90 days can cost you thousands of
dollars, if you are in the process of getting a mortgage to purchase your home when the interest
rate is on the rise.

Johnny Saing is a Webmaster who has witnessed first hand the effects of credit report errors when
he checked his own credit report. He is the publisher of Creditsknowledge.com. A website that
provides articles on credit report: where to get your information on free credit report, disputing
credit report errors, improve credit score and etc.